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Our vision is to take away all kinds of insurance hassles of the policyholder and provide real time assistance, world-class service and data-driven advisory customised to the needs of an individual, says Narayanan.

Decline in aggregate EBITA margins for Indian companies in 14 out of 16 sectors may seem worrying, but it doesn't have to be. Disruption could also be a two trillion-dollar opportunity for Indian businesses.